The id of the bank recipient

Optional selector for the bank key (crawler credential) to authorize with.
When omitted, Cardda uses the highest-priority approved bank key of the
owning account for your user (ordered by priority asc, then most recent).
Provide it only to pick a specific key.

Token (one-time password) for authorizing the recipient. When authorizing a
single recipient (POST /bank_recipients/{id}/authorize) send either token
or verification_code — whichever the bank requires. When validating all of a
payroll's recipients (POST /bank_payrolls/{id}/validate) both token and
verification_code are required.

The verification code sent to your email when the recipient was added. See the note on token for when it is required.